The best metal credit cards for 2021-2022

Credit cards are amazing. They allow you to have greater control of your expenses through organized payments.
Naturally, it is fundamental to know how to handle credit cards in order to use their advantages as we should.
But there’s one type of credit card that everybody looks at and says, “wow, that card looks amazing!”
We are talking, of course, about metal credit cards. In this blog post, we will tell you everything about metal credit cards. So, after you finish reading this piece of content, you will understand:

• • What is a metal credit card?
  • Advantages and disadvantages of metal credit cards.
  • Top 5 best credit cards for 2021 and 2022.

First things first: a metal credit card is the same as a plastic credit card, at least for intents and purposes.

The thing is that metal credit cards are heavier, fancier, more beautiful, and well-looking. They have been introduced about twenty years ago and were mostly linked to people with high income and better social status.

In this case, the “weight” and aesthetic of the card represented an advantage for more premium customers.

This isn’t like that anymore. Metal credit cards were more popular from the 90s to our days, so even though they still feel “exclusive,” it is way easier to get one than it was back in the day.

So, basically, the barrier to get a metal credit card lowered and lowered. As a result, nowadays, a responsible spender with a good credit score can get a fancy metal credit card.

It is safe to say that metal credit cards have higher benefits than classic, plastic credit cards. As we mentioned earlier, they are strongly associated with premium cardholders. 

Nevertheless, it’s important to consider that the higher the benefits, then the higher-than-usual the annual fees will be. Therefore, the benefits are associated with more money paid by the cardholder.

Metal credit cards are mainly available for people with good credit scores. In fact, most of them are often available for people with excellent credit scores, so if you consider your score isn’t high enough, then applying for a classic credit card is the best option for you.

That being said, the difference between metal credit cards and plastic credit cards is mostly aesthetic and benefits-related. 

Still, this highly depends on the issuer, so let’s dig deeper into this subject.

If you have decided to get a metal credit card, then you need something secure, reliable, and durable.

Remember that metal credit cards are fabulous for earning travel rewards since some of the best products offered by card issuers can be obtained through them.

Hence, you don’t want to miss out on the opportunity of having a good card to cover your needs, right? If this is your case, then the following list is for you!

American Express Gold Card

Whenever most people think about metal credit cards, American Express comes directly to their minds. The Amex Gold Card is one of the most popular in the world. 

They are an outstanding option to get travel points almost with no effort.

This particular card has a phenomenal welcome offer of 60,000 Membership Rewards points after the cardholder spends 4,000 USD in the first six months of their membership.

On top of that, if you like to order food every once in a while, then you must know that you’ll be rewarded with an UberEats Pass membership. This means that you’ll get free deliveries and amazing discounts on every order using this card.

Capital One Venture Credit Card

If you like to travel, this is the card for you. This is one of the best travel reward credit cards, you’ll earn 2 Capital One mile per dollar on every single purchase. 

After you spend 3,000 USD, you’ll earn 50,000 miles!

We must mention that this card has an annual fee of 95 USD. Besides, it offers a good $100 credit for TSA Global/PreCheck Entry every four years. Definitely, the best friend of a traveler!

Chase Sapphire Preferred Card

This card isn’t just beautifully looking, it also has sensational benefits. In fact, back in the day, this card was so popular that the card issuer temporarily ran out of metal to produce more.

Some people consider the Chase Sapphire Preferred as the best travel credit card with an annual fee under $100, more specifically, 95 USD.

The cardholder earns 2X points on dining and travel worldwide and 1X points on all purchases. So, if you enjoy dining out while visiting new places, this is the best possible metal credit card for you!

Capital One Savor Cash Rewards Credit Card

Let’s be honest here – this isn’t the best-looking metal credit card of them all. In fact, it can even be considered as an “entry-level” metal card, if those even exist.

The Capital One Savor Cash Rewards card is the absolute best card when it comes to buying food delivery.

The main benefit of this card is the unlimited 4% cashback on dining purchases. The best thing, you ask? You don’t even have to leave your home to obtain this benefit!

Cardholders also earn 4% cashback on certain streaming services. Its annual fee is just 95 USD, and it also benefits entertainment since the unlimited cashback can also be applied to concerts and plays.

Amazon Prime Rewards Visa Signature Card

This is undoubtedly the best card for online grocery shopping. It offers an astonishing 5% back on purchases at Whole Foods Market and Amazon.

There’s no limit to how many points the cardholder can earn. On top of the tap, there’s no annual fee!

The thing is that the cardholder must have an Amazon Prime membership to enjoy this card. The welcome bonus is also good, you’ll receive a 150 USD Amazon gift card to spend on whatever you want.